Effective Date: 18.07.2025
Last Updated: 18.07.2025

1. Introduction

BusinessUp100 LLC (“we”, “our”, “us”) is a U.S.-based non-mortgage business loan brokerage company that connects small businesses with a curated network of lenders and financing institutions. This Privacy Policy explains how we collect, use, share, and protect your personal and business information. This policy applies to all visitors and users of our website and services. We are committed to ensuring transparency, trust, and compliance with data protection regulations, and industry-standard best practices.

2. Scope of This Policy

This Privacy Policy applies to:

• Individuals and businesses who submit information through our online forms, progressive funding questionnaires, or downloadable materials.
• Users who engage with us via email, SMS, phone, chatbot, or embedded tools on www.businessup100.com.
• Leads introduced to our partner lenders through our brokerage funnel, even if they do not complete the loan process.

This policy does not apply to third-party lenders’ websites, portals, or systems. Those parties have their own privacy policies which we encourage you to review separately.

3. Types of Information We Collect

A. Information You Provide Voluntarily

When using our website or services, you may provide the following data:

• Identifying Information: Name, business name, email address, mobile/office phone number, mailing address, business ZIP code.
• Business Profile Data: Business structure (LLC, C-Corp, etc.), industry type, time in business, average monthly and annual revenue, business start date.
• Funding Needs: Requested loan amount, loan purpose (working capital, equipment, expansion, etc.), desired funding timeline.
• Credit Profile: Self-reported credit score range or status (we do not perform hard pulls).
• Financial Documentation (when applicable): Tax returns, P&L statements, balance sheets, business licenses – securely uploaded only when requested by brokers or lenders.

B. Information Collected Automatically

When you visit our website, we may automatically collect certain technical and usage-related information to help us improve security, functionality, and performance. This includes:

• IP address and approximate geolocation
• Device type, browser version, and operating system
• Pages visited, time spent, session duration, referring URLs
• Form interactions (e.g., abandoned forms, partial entries)
• Engagement with emails or ads (e.g., open rates, clicks)

We use cookies, pixels, tags, and similar tracking technologies to support these functions. These tools help us detect suspicious activity, understand how users engage with our site, personalize your experience, and optimize our marketing campaigns.

You can control or disable cookies through your browser settings. Some functionality may be limited if cookies are disabled.

C. Information Received from Third Parties

Once you begin working with BusinessUp100 LLC, we may receive limited updates from third-party platforms or partners while delivering our services. This may include:

• Marketing and analytics data from platforms like Google, Facebook, LinkedIn, or TikTok
• Status updates from lenders or funding partners (e.g., offer terms, application milestones, or funding confirmation) — only after your application has been shared with them

This supplemental information helps us:

• Track and support your application progress
• Improve communication timing
• Ensure a smoother experience as we coordinate with lenders on your behalf

We do not collect or import any personal or business data from third-party lists or sources prior to your direct engagement with our team.

4. How We Use Your Information

We use your information to:

1. Match you with suitable lenders based on your business profile, financials, and funding preferences.
2. Facilitate lender introductions by submitting your application or pre-qualification profile to third-party financial providers.
3. Perform internal analytics to improve application flows, marketing performance, and funding rates.
4. Send you essential communications regarding application progress, requests for additional documentation, next steps, or compliance updates.
5. Offer additional financial products, educational resources, or services through BusinessUp100 LLC or our network (opt-out options available).
6. Comply with legal or regulatory obligations, if applicable, such as verifying client identity when required, responding to fraud-related concerns, or cooperating in dispute resolution involving submitted information or lending partners — only after client engagement.

All use is governed by lawful bases under applicable privacy frameworks and conducted with user consent where required.

5. How We Share Your Information

A. With Lending Partners

We share your business profile and pre-qualification details with trusted non-mortgage lending institutions, including:

• SBA-approved lenders
• Online business financing providers
• Equipment financing firms
• Invoice factoring companies
• Working capital line providers

Each lender has their own underwriting guidelines and may conduct a soft or hard credit pull only after your consent.

B. Service Providers and Third-Party Tools

We may use third-party service providers to help us operate our business, communicate with users, manage applications, and deliver services. These providers may include:

• Customer relationship management (CRM) platforms for organizing lead data and communication history
• Email and SMS delivery services to send updates, confirmations, and marketing messages
• Website analytics and performance tracking tools to understand user behavior and improve our site
• Secure file exchange platforms for collecting documents when necessary for lender review or verification

All third-party providers are contractually obligated to maintain the confidentiality of your data and may only use it to support our service delivery.

C. Legal Obligations and Protection

We may disclose data to comply with:

• Law enforcement or regulatory agency requests
• Subpoenas, legal claims, or investigations
• Preventing or responding to fraud, unauthorized activity, or system abuse

D. Business Transfers

In the event of a merger, acquisition, sale, or restructuring of BusinessUp100 LLC, user information may be transferred as part of the business assets. If such a transfer occurs, we will ensure the receiving party honors the commitments outlined in this Privacy Policy.

6. Your Choices and Rights

• Email Preferences: Unsubscribe links are provided in every promotional email. You may also request manual removal.
• Text Messaging: You can reply “STOP” to opt out of SMS updates. Frequency may vary based on your application stage.
• Data Access & Deletion: You may request a copy, update, or deletion of your personal data by emailing privacy@businessup100.com.
• No Sale of Personal Data: We do not sell, lease, or monetize your personal data to third-party marketers.

7. Credit Reporting and Inquiries

Submitting your information through our site does not result in a hard credit inquiry.
Only if you choose to proceed with a loan offer, the lender may conduct a hard inquiry based on their policies.

We will never initiate a credit check without your knowledge or consent.
All credit-related decisions are made solely by lenders.

8. Data Security Practices

We take your security seriously and employ the following protections:

• SSL/TLS encryption across all web forms
• Encrypted data at rest and in transit
• Two-factor authentication (2FA) for internal dashboards
• Controlled access with tiered permissions
• Regular audits and endpoint protection on all staff devices
• Secure deletion of records upon request or inactivity beyond 24 months

Despite rigorous controls, no system can guarantee 100% protection. We advise caution when sending sensitive information over public networks.

9. Cookie Usage and Tracking

We use first-party and third-party cookies for functionality and analytics. These help:

• Save your form progress
• Remember your preferences
• Serve you relevant ads

You can manage or delete cookies through your browser settings. Some parts of our site may not work properly if cookies are disabled.

10. Third-Party Links

We may include links to lender websites or external resources. Once you leave our site, we are not responsible for their privacy practices or data handling.

We recommend reviewing their policies before submitting information.

11. Children’s Data

Our services are intended for U.S. business owners aged 18 and older. We do not knowingly collect or solicit personal information from anyone under the age of 18. If we become aware that data has been submitted by a minor, we will promptly delete the information. If you believe a child has provided us with personal data, please contact us immediately at privacy@businessup100.com

12. International Use

Our services are designed for and directed to users located in the United States. If you access our site or submit information from outside the U.S., you are solely responsible for ensuring compliance with any applicable local laws or regulations in your jurisdiction.

13. Policy Updates

This policy may be updated periodically. Material changes will be announced on our homepage or via email.

We encourage you to review it regularly. The “Last Updated” date reflects the most recent changes.

14. Contact Us

For questions or concerns regarding this Privacy Policy or how we handle your data, please contact us at:

BusinessUp100 LLC
Email: privacy@businessup100.com
Phone: +1(561) 465-7627
Address: 150 E Palmetto Park Rd Suite800, Boca Raton, FL 33432
Website: www.businessup100.com